mBank S.A. (WSE:MBK)

mBank Statistics

Total Valuation

mBank has a market cap or net worth of PLN 52.41 billion.

Market Cap	52.41B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, April 30, 2026.

Earnings Date	Apr 30, 2026
Ex-Dividend Date	n/a

Share Statistics

mBank has 42.53 million shares outstanding. The number of shares has increased by 0.03% in one year.

Current Share Class	42.51M
Shares Outstanding	42.53M
Shares Change (YoY)	+0.03%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	25.15%
Float	13.16M

Valuation Ratios

The trailing PE ratio is 13.84 and the forward PE ratio is 12.05.

PE Ratio	13.84
Forward PE	12.05
PS Ratio	4.32
PB Ratio	2.35
P/TBV Ratio	2.61
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.65
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 18.55%.

Return on Equity (ROE)	18.55%
Return on Assets (ROA)	1.41%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.53%
Revenue Per Employee	1.54M
Profits Per Employee	482,810
Employee Count	7,851
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, mBank has paid 1.77 billion in taxes.

Income Tax	1.77B
Effective Tax Rate	31.81%

Stock Price Statistics

The stock price has increased by +55.70% in the last 52 weeks. The beta is 0.64, so mBank's price volatility has been lower than the market average.

Beta (5Y)	0.64
52-Week Price Change	+55.70%
50-Day Moving Average	1,161.85
200-Day Moving Average	1,030.89
Relative Strength Index (RSI)	57.14
Average Volume (20 Days)	25,233

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, mBank had revenue of PLN 12.12 billion and earned 3.79 billion in profits. Earnings per share was 89.06.

Revenue	12.12B
Gross Profit	12.12B
Operating Income	7.06B
Pretax Income	5.56B
Net Income	3.79B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	89.06

Balance Sheet

The company has 30.39 billion in cash and 21.21 billion in debt, with a net cash position of 9.17 billion or 215.66 per share.

Cash & Cash Equivalents	30.39B
Total Debt	21.21B
Net Cash	9.17B
Net Cash Per Share	215.66
Equity (Book Value)	22.33B
Book Value Per Share	525.07
Working Capital	-206.63B

Cash Flow

In the last 12 months, operating cash flow was -31.46 billion and capital expenditures -955.12 million, giving a free cash flow of -32.42 billion.

Operating Cash Flow	-31.46B
Capital Expenditures	-955.12M
Depreciation & Amortization	n/a
Net Borrowing	2.75B
Free Cash Flow	-32.42B
FCF Per Share	-762.30

Margins

Gross Margin	n/a
Operating Margin	58.24%
Pretax Margin	45.86%
Profit Margin	31.27%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

mBank does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.03%
Shareholder Yield	-0.03%
Earnings Yield	7.23%
FCF Yield	-61.85%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 4, 1994. It was a forward split with a ratio of 5.

Last Split Date	Jul 4, 1994
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2